help needed please

n_ireland_lad

firsty great site guys. My problem is the dreaded debt collection carry on. In 2004 i went off travelling but forgot to cancel my 02 contract. Eventually a bill for 135 appeared recently from a debt firm in relation to the 135. I done a credit check and agree i owe it. But i wrote a letter asking for proof. Just to make sure i was paying the right guys. Today i received a print out of a spreadsheet wiv a few monthly figures on it. There is an account number on it but no mention of o2 or any signed copies of any agreements. Is this proof? Do i ask for more? Do i even need to pay it? Or tell them i'm skint and offer a reduced fee? Sorry for all the questions but i'm not to clued up on debt collectors buying debt. Thanks in advance

Blahah

If it was in 2004 and you haven't acknowledged the debt since, it will become statute barred this year. Debts become legally unenforceable after 6 years - that doesn't mean you don't still technically owe the money, but it means they can't chase your for it through the courts (no CCJs etc). Given that the debt is for a service you didn't actually receive I would just wait until the debt is definitely statute barred, then send them the statute barred letter from the templates thread.

Oh and it sounds like they don't have a signed, executed credit agreement. Doesn't really matter if it's statute barred anyway - it will fall off your credit record later this year.

DGJsaver

Mobile phone contracts dont come under the CCA legislation

n_ireland_lad

i'd be better payin it as it's a mobile contact?

n_ireland_lad

or tell them to stick it as they have no signed agreement? The bill dates from 04 to early 05 so the 6 years wouldn't be up yet

DGJsaver

See my post above

n_ireland_lad

so i must pay it or theres no rules?

DGJsaver

well you could do worse than send them the `prove it ` letter first , i have to go but someone will point you the right way...